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Spent a couple of weeks comparing quotes on coverage for our boat before the season. The first thing I learned: the cheapest quote usually hides gaps in coverage. Check whether the hull is insured at agreed value or ACV — on an ACV policy, depreciation cuts the payout after a total loss. For an older hull, be ready for a request for a fresh marine survey. The hard part is the policy wording, so a good starting point is https://yacht-insurance.net — it lays out the main coverage options in plain English. Also read the navigation limits carefully: going past the listed waters can leave you uncovered. In hurricane country, the named storm deductible is often a percentage of hull value, not a flat amount. Don't skimp on liability either — wreck removal and damage to other boats can cost more than the boat itself. Get at least three quotes and read the exclusions before you sign.